Welcome to MoneyTalks 50+ brought to you by AARP ElderWatch and the Colorado Attorney General's Office.
MoneyTalks 50+ is a podcast designed to help your money make cents . In this podcast, we will cover a variety of topics designed to help you achieve financial wellbeing and to develop a better understanding of the internal and external forces that impact our financial lives and decision making. For Season 6, we will be focusing on finances in retirement.
Questions? Email aarpelderwatch@aarp.org.
On the season finale of Hidden Chapters, Season 7 of MoneyTalks 50+, Jess is giving you three financial tools that are helpful regardless of your retirement goals. Today, Jess will teach you about credit reports, credit freezes, and consumer reports.
Resources mentioned in this episode:
Credit Report Resources
Credit Freeze Resources
Consumer Reports Resources
Other Resources
Our music was created by OfShane.
ElderWatch does not provide financial or legal advice.
For more information about ElderWatch, check us out online: https://www.aarp.org/money/scams-fraud/elderwatch/
Today’s minisode discusses a different kind of hidden chapter – cognitive biases and marketing techniques. Join Jess as she helps you spot different psychological techniques and traps that may lead you to spend and buy more than you need, or lead you to purchase things you didn’t need in the first place!
ElderWatch does not provide financial or legal advice.
Our music was created by OfShane.
For more information about ElderWatch, check us out online: https://www.aarp.org/money/scams-fraud/elderwatch/
Long Term Care is a hidden chapter that many people don't want to discuss, whether for themselves or for a loved one, but a bit of planning can make all the difference when it comes to this hidden chapter. Join Jess as she discusses some of the considerations that will help you evaluate a location, and provides some ideas on how to finance long term care.
In this episode, you'll hear Jess say "ADLs." ADL stands for "Activities of Daily Living," and encompasses things like walking, feeding, dressing, etc. In other contexts, you may also hear "IADLs" which stands for "Instrumental Activities of Daily Living." These differ from ADLs but are still critical to understand. IADLs include things like driving, meal prep, and chores.
Resources mentioned in this episode:
ElderWatch does not provide financial, legal, or medical advice.
Our music was created by OfShane.
For more information about ElderWatch, check us out online: https://www.aarp.org/money/scams-fraud/elderwatch/
Retiring outside of the United States is a dream for many, and may be a great way to reduce your cost of living; however, without proper planning and consideration of logistics and finances, this hidden chapter may be more difficult that you realize.
Join Jess as she discusses some of the common reasons that retiring abroad may be unsuccessful, provides some tips on choosing a location to move to, and reveals some of the hidden financial considerations that are imperative to a successful retirement outside of the United States.
Resources mentioned in this episode:
MoneyTalks 50+ is brought to you by ElderWatch: a 20+ year collaboration between AARP and the Colorado Attorney General's Office. Our goal is to educate and protect older Coloradans through fraud and financial literacy education. If you or someone you know has experienced fraud or a scam, or is looking for a local financial literacy resource, give us a call! Our phone number is 800-222-4444, select option 2.
AARP ElderWatch does not provide financial, legal, or medical advice.
Our music was created by OfShane.
For more information about ElderWatch, check us out online: https://www.aarp.org/money/scams-fraud/elderwatch/
75% of older adults want to stay in their homes, and 73% want to stay in their communities; however, 44% feel that a move is inevitable. When it comes to aging in place, there are many hurdles that must be overcome to make this Hidden Chapter successful.
Join Jess for part 2 of her discussion on aging in place, where she will speak with experts on the subject to help your money make more sense when it comes to financing this hidden chapter. In part 2, Jess, Joanne Binet, and Shannon Guzman will discuss some practical ideas and adaptations to make aging in place a reality.
Resources Discussed in this Episode:
For more information about ElderWatch, check us out online: https://www.aarp.org/money/scams-fraud/elderwatch/
Finances can be one of the first arenas where we begin to see the presence of cognitive decline, but do you know what some of the signs are?
In today’s mini episode, Jess will provide a high level overview of some of the financial indicators that might tip you off about the potential presence of cognitive decline.
Resources Mentioned in this Episode:
MoneyTalks 50+ is brought to you by ElderWatch: a 20+ year collaboration between AARP and the Colorado Attorney General's Office. Our goal is to educate and protect older Coloradans through fraud and financial literacy education. If you or someone you know has experienced fraud or a scam, or is looking for a local financial literacy resource, give us a call! Our phone number is 800-222-4444, select option 2.
AARP ElderWatch does not provide financial, legal, or medical advice.
Our music was created by OfShane.
For more information about ElderWatch, check us out online: https://www.aarp.org/money/scams-fraud/elderwatch/
75% of older adults want to stay in their homes, and 73% want to stay in their communities; however, 44% feel that a move is inevitable. When it comes to aging in place, there are many hurdles that must be overcome to make this Hidden Chapter successful.
Join Jess for part 1 of a 2-part discussion on aging in place, where she will speak with experts on the subject to help your money make more sense when it comes to financing this hidden chapter. In part 1, Jess, Joanne Binet, and Shannon Guzman will discuss some of the reasons that aging in place might be challenging.
Resources Discussed in this Episode:
MoneyTalks 50+ is brought to you by ElderWatch: a 20+ year collaboration between AARP and the Colorado Attorney General's Office. Our goal is to educate and protect older Coloradans through fraud and financial literacy education. If you or someone you know has experienced fraud or a scam, or is looking for a local financial literacy resource, give us a call! Our phone number is 800-222-4444, select option 2.
Our music was created by OfShane.
For more information about ElderWatch, check us out online: https://www.aarp.org/money/scams-fraud/elderwatch/
For more information about ElderWatch, check us out online: https://www.aarp.org/money/scams-fraud/elderwatch/
Topics that make us consider our mortality – such as estate planning and healthcare proxies – are things that many people don’t want to talk or think about. Unfortunately, leaving these things to chance – especially if you’re a solo ager – may result in situations that do not reflect our desires.
Join Jess as she explores what happens when someone passes away without a will in Colorado, and what happens if you are not able to advocate for yourself in a medical setting, but don’t have a health care proxy. At the end of this episode, Jess will also provide some resources that make delving into these hidden chapters a little easier and less daunting.
Resources Discussed in this Episode:
MoneyTalks 50+ is brought to you by ElderWatch: a 20+ year collaboration between AARP and the Colorado Attorney General's Office. Our goal is to educate and protect older Coloradans through fraud and financial literacy education. If you or someone you know has experienced fraud or a scam, or is looking for a local financial literacy resource, give us a call! Our phone number is 800-222-4444, select option 2.
Our music was created by OfShane.
For more information about ElderWatch, check us out online: https://www.aarp.org/money/scams-fraud/elderwatch/
Solo Agers are individuals who live alone, and who do not have children – or, whose children are unwilling or unable to provide additional support.
According to the US Census Bureau, there are approximately 22 million adults age 55+ who live alone, and an estimated 28% of them are childless. When we factor in adults 55+ who have children, but whose children are unwilling or unable to provide support, solo agers encompass about 34% of older adults in the United States. Given the growth of the solo aging community, as well as the current caregiver crisis in the United States, Jess invited AARP Research Director Laura Skufca to MoneyTalks 50+!
Join Jess and Laura to learn more about recent research on Solo Agers, important considerations when it comes to being a successful Solo Ager, and some financial literacy topics and resources that are critical for this unique group.
Resources Discussed in this Episode:
MoneyTalks 50+ is brought to you by ElderWatch: a 20+ year collaboration between AARP and the Colorado Attorney General's Office. Our goal is to educate and protect older Coloradans through fraud and financial literacy education. If you or someone you know has experienced fraud or a scam, or is looking for a local financial literacy resource, give us a call! Our phone number is 800-222-4444, select option 2.
Our music was created by OfShane.
For more information about ElderWatch, check us out online: https://www.aarp.org/money/scams-fraud/elderwatch/
Buy Now Pay Later programs, also known as Point of Sale Loans, are increasing in their availability. In some ways, they are similar to traditional layaway with one huge twist, and many more possible financial consequences.
Join Jess to learn more about how Buy Now Pay Later programs work, as well as some of the contractual consequences and psychological pitfalls that can make this appealing payment method cost more than you might expect.
MoneyTalks 50+ is brought to you by ElderWatch: a 20+ year collaboration between AARP and the Colorado Attorney General's Office. Our goal is to educate and protect older Coloradans through fraud and financial literacy education. If you or someone you know has experienced fraud or a scam, or is looking for a local financial literacy resource, give us a call! Our phone number is 800-222-4444, select option 2.
Our music was created by OfShane.
For more information about ElderWatch, check us out online: https://www.aarp.org/money/scams-fraud/elderwatch/
Welcome to another season of MoneyTalks 50+! This season is called "Hidden Chapters."
Living the life you want in retirement takes planning, but there are some chapters that we hear about more than others when it comes to building the life we want. In Season 7 of MoneyTalks 50+, we'll be covering some of the chapters that people tend to know little about planning for, don't want to think about, or that people are often surprised by. Topics will include Solo Aging, Financing Long Term Care, Tips for Retiring Abroad, Aging in Place, and more!
MoneyTalks 50+ is brought to you by ElderWatch: a 20+ year collaboration between AARP and the Colorado Attorney General's Office. Our goal is to educate and protect older Coloradans through fraud and financial literacy education. If you or someone you know has experienced fraud or a scam, or is looking for a local financial literacy resource, give us a call! Our phone number is 800-222-4444, select option 2.
Our music was created by OfShane.
For more information about ElderWatch, check us out online: https://www.aarp.org/money/scams-fraud/elderwatch/
It’s the season 6 finale of Money Talks 50+! In today’s mini episode, Jess will be finishing out the season by giving you some tangible, practical ideas for stretching your retirement income. She’ll be talking a little bit about insurance brokers and senior living placement agencies, targeted advertisements and cookies, ideas to limit impulse buys in person and online, and some ideas for saving money while having a night in. Give us a listen, and hopefully we’ll help your money make a little bit more sense!
For more information about ElderWatch, check us out online: https://www.aarp.org/money/scams-fraud/elderwatch/
For our last long form episode of the season, we are rounding out our Investment 101 exploration with friend of the podcast, Brian McKinney! Brian is a Founding Partner and Senior Wealth Advisor at Collective Wealth Partners. He is a CFP, RICP, holds an MBA, and has worked in the field for over 15 years.
Following our investment chats with Gerri Walsh, Jess and Brian will help you better understand the difference between stocks and funds, the differences between various funds, bonds, habit building around your investment portfolio, and market patterns, among – as always – a plethora of other things! Give us a listen as we complete our Investment 101 series, and help your money make more sense!
For more information about ElderWatch, check us out online: https://www.aarp.org/money/scams-fraud/elderwatch/
It's Wednesday, which means it's time for another mini episode! Today Jess is digging into simple, practical strategies to stretch a dollar, including tips for discounted summer activities!
For more information about ElderWatch, check us out online: https://www.aarp.org/money/scams-fraud/elderwatch/
Gerri Walsh, Senior Vice President of Investor Education at the Financial Industry Regulatory Authority (FINRA), is back to continue her investing basics discussion with Jess! In today's episode, among other things, we'll be talking about investing strategies, apps, food for thought in your personal investments, and more!
For more information about ElderWatch, check us out online: https://www.aarp.org/money/scams-fraud/elderwatch/
It’s mini episode time! Today, Jess is covering the transition from pensions to 401(k)s. Why did this transition happen? What are the pros and cons of a pension, and those of a 401(k)? Who assumes the risk of these portfolios?
Take a quick listen to learn more, and help your money make more cents.
For more information about ElderWatch, check us out online: https://www.aarp.org/money/scams-fraud/elderwatch/
Interested in investing, but not sure where to start? Do you want to start investing, but you’re worried about the risk involved and the losses you might incur as you’re inching closer to retirement? In today’s episode, Jess is chatting with Gerri Walsh to help ease some of the mystery and uncertainty around investing. Among many (many) other things, Gerri Walsh is Senior Vice President of Investor Education at the Financial Industry Regulatory Authority (FINRA).
In this rich discussion, we’ll be talking about what FINRA does, the rule of 72, how investments fit into the 3-legged stool of retirement planning, diversification, risk tolerance, circles of competence, resources that can support you on your journey as an investor, and more! This is the first episode in our 3-part investment series. Give us a listen for some ideas on how to safely maximize your investments!
For more information about ElderWatch, check us out online: https://www.aarp.org/money/scams-fraud/elderwatch/
In our second mini episode, Jess is giving us a quick crash course on the history of social security! Where did this program come from? Listen to find out!
Our theme song is by Ofshane.
For more information about ElderWatch, check us out online: https://www.aarp.org/money/scams-fraud/elderwatch/
In today’s episode, we’re delving into what some of the different professions are within the world of personal finance. Do you need a financial coach, a financial counselor, a financial planner, or maybe all three? Join me as I have a conversation with Kimberly Zimmerman Rand of Dragonfly Financial Solutions to learn about some of the different people that can help you make your personal finance dreams a reality!
Our theme song is by Ofshane.
For more information about ElderWatch, check us out online: https://www.aarp.org/money/scams-fraud/elderwatch/
Today we're releasing a new format - mini episodes! In addition to our weekly long form episodes, we'll be posting shorter episodes on singular topics periodically. For our first mini episode, we're talking about money scripts! Money scripts, a term coined by Dr. Brad Klontz in 2011, are all about the beliefs we have tied to money. But what does that have to do with financial literacy? Give this mini episode a listen to find out!
For more information about ElderWatch, check us out online: https://www.aarp.org/money/scams-fraud/elderwatch/
Money Talks 50+ is back with a new host, Jess! This season, we’ll be talking about the finances of retirement for everyone - those years away from retirement, those about to retire, those who have already retired, and those who think they’ll never retire.
In our first episode of the season, we are meeting with Brian McKinney of Collective Wealth Partners. In this conversation, we’ll be talking about how to get yourself on track if you feel like you’re financially underwater, strategies for reducing debt and increasing income, budgeting strategies, and an exploration of considerations when it comes to social security and health insurance. Give us a listen! We hope this conversation helps your money make more cents.
Our theme song is by Ofshane.
For more information about ElderWatch, check us out online: https://www.aarp.org/money/scams-fraud/elderwatch/
Rebecca discusses the basics and importance of having a budget including the impact inflation is having on our pocketbooks, wealth principles, and including your loved ones in your financial planning.
Rebecca discusses inflation and how it impacts creating a budget. She also gives tips on how to create and stick to a budget once you have one.
Rebecca discusses the top 7 scams to watch out for in 2023 and ways to keep yourself safe!
Rebecca is interviewed by Murphy Huston about her work at AARP ElderWatch.
To learn more about NoCoPay Radio, visit their website here or tune into KOSI 101.1 at 7:30 am on Sundays. ElderWatch thanks NoCoPay Radio for having us on to kick off the year!
Rebecca discusses the most common holiday scams during the 2022 season.
To report a scam, call AARP ElderWatch at 800-222-4444 option 2
La Procuraduría General de Colorado les desea felices fiestas y queremos que las disfrute estando al tanto de cómo evitar estafas comunes durante las fiestas de diciembre. Mas información en NoMasFraudeColorado.gov
The Colorado Department of Law wishes you happy holidays and wants to make sure you enjoy your holidays by avoiding common scams during this festive season. For more information visit NoMasFraudeColorado.gov
Rebecca sits down with Melissa Demorest Leduc to discuss preparing for end of life including advance directives, Power of Attorney and wills.
DISCLAIMER: THIS IS NOT LEGAL ADVICE. Please consult with a lawyer in your state before making any final decisions.
Advance Medical Directives Information for the Public, Colorado Bar Association
More about Melissa here.
Contact AARP ElderWatch at 800-222-4444 #2
Rebecca sits down with Martin Booker, Program Manager at AARP to discuss all things preparing for retirement.
Resources:
AARP Money Map
Ace your RetirementInterview an Advisor99 Ways to Save
Rebecca discusses Medicare Open Enrollment, happening now until December 7, 2022.
To make changes to your Medicare plan, visit Medicare.gov
Compare plans here.
Need assistance with Medicare? Contact Colorado's State Health Insurance Assistance Program (SHIP) here.
Report Medicare scams to Senior Medicare Patrol here.
Full source notes are available upon request.
AARP ElderWatch can be reached at 800-222-4444 option 2
Full sources available upon request.
For peer-to-peer financial counseling or fraud victim support, call us at 800-222-4444 option 2.
Tune in for the second of our six part series on The Numbers Too Big To Ignore: History of Women's Financial Empowerment in Colorado. This episode covers the Indigenous women that inhabited this land before it was called Colorado; Julia Archibald-Holmes, one of the first women recorded to cross the Eastern Plains for gold; and Clara Brown, the first recorded Black woman to make her way to Colorado.
Full source notes available upon request.
Season 3 preview. Join us for the next six weeks for Season 3 - Numbers too Big to Ignore: The History of Women's Financial Empowerment in Colorado.
Thanks for joining Rebecca for the final episode of the season. We'll be back in the New Year!
Resources:
La Procuraduría General de Colorado protege a todos los consumidores- en especial a los más vulnerables, los adultos mayores. Nuestros programas StopFraudColorado.gov y NoMasFraudeColorado.gov ofrecen recursos educativos y una forma fácil de presentar una denuncia. Miembros del equipo de Participación Comunitario de la Procuraduría General de Colorado, Ana Mostaccero y Efrain Bueno, empiezan el primer podcast mensual en Español sobre NoMasFraudeColorado.gov y los recursos disponible, como parte de Money Talks (El Dinero Hable) edición de mayores de 50.
The Colorado Department of Law protects all consumers – especially some of our most vulnerable populations, older adults. Our programs StopFraudColorado.gov and NoMasFraudeColorado.gov provide educational resources and an easy way to file a complaint. Right on time to celebrate Hispanic Heritage Month, Ana Mostaccero and Efrain Bueno, members of the Colorado Department of Law Community Engagement team, kick off a monthly Spanish language podcast about NoMasFraudeColorado.gov and resources available, as part of Money Talks, 50+ edition.
Rebecca sits down with Alison Joucovsky, MA, LPC to discuss a unique solution to the housing crisis that Denver (and the rest of Colorado) faces.
To learn more about Sunshine Homeshare Colorado (Denver Metro and Colorado Springs), visit here.
To learn more about Neighbor 2 Neighbor (Fort Collins), visit here.
Rebecca sits down with Colorado State Treasurer Dave Young to discuss the Colorado Secure Savings program.
To learn more about the Treasurer's office, visit their website here.
Rebecca sits down with Courtney Roberts, Financial Engagement Outreach Coordinator with the Division of Regulatory Agencies to discuss safe banking, changes in the banking landscape, and how to keep your money safe online or in person.
To learn more about DORA: https://dora.colorado.gov/
To file a complaint with DORA: 1-800-886-7675
Federal Trade Commission
Rebecca sits down with AARP Fraud Watch Network volunteer Dr. Jean Lundy to hear about her experience on the Helpline as well as with the new ReST program.
To learn more about AARP ReST, visit https://www.aarp.org/fraudsupport
References:
https://www.identityforce.com/blog/2019-data-breaches
https://www.usatoday.com/story/tech/conferences/2020/02/21/data-breach-tips-mental-health-toll-depression-anxiety/4763823002/
La Procuraduría General de Colorado protege a todos los consumidores- en especial a los más vulnerables, los adultos mayores. Nuestros programas StopFraudColorado.gov y NoMasFraudeColorado.gov ofrecen recursos educativos y una forma fácil de presentar una denuncia. Como parte de la celebración del Mes de la Herencia Hispana, miembros del equipo de Participación Comunitario de la Procuraduría General de Colorado, Ana Mostaccero y Efrain Bueno, empiezan el primer podcast mensual en Español sobre NoMasFraudeColorado.gov y los recursos disponible, como parte de Money Talks (El Dinero Hable) edición de mayores de 50.
The Colorado Department of Law protects all consumers – especially some of our most vulnerable populations, older adults. Our programs StopFraudColorado.gov and NoMasFraudeColorado.gov provide educational resources and an easy way to file a complaint. Right on time to celebrate Hispanic Heritage Month, Ana Mostaccero and Efrain Bueno, members of the Colorado Department of Law Community Engagement team, kick off a monthly Spanish language podcast about NoMasFraudeColorado.gov and resources available, as part of Money Talks, 50+ edition.
Rebecca sits down with Jessica Allen, one of the creators of AARP’s financial workbook for caregivers to discuss challenges those caring for their loved ones face daily and tools to help manage money as well as end-of-life plans for both the caregiver and the care recipient.
Find AARP’s Financial Workbook for Caregivers here: https://www.aarp.org/content/dam/aarp/caregiving/pdf/2020/aarp-caregiving-financial-workbook-fillable.pdf
Resources:
https://www.youneedabudget.com/
https://www.aarp.org/caregiving/financial-legal/
https://www.goodrx.com/
Rebecca and Mark sit down to discuss the findings of the 2021 ElderWatch Financial Literacy research on this Season 2 teaser episode. MONEYTALKS 50+ IS RETURNING FOR SEASON 2 ON SEPTEMBER 30! Stay TUNED!Research: www.aarp.org/cofinances50
For our FINAL episode of Season 1 of MoneyTalks 50+, Rebecca sits down again with Rebecca Franciscus to continue discussing best practices for women looking to invest and ways to stay scam safe when investing. We're taking a hiatus, but stay tuned for details about Season 2!
For more information:
https://www.investor.gov/
https://www.sec.gov/
Rebecca is joined by Rebecca Franciscus from the Securities and Exchange Commission to discuss challenges that come with investing and tips to make your investing journey smoother. This is part 1 of 2 so be sure to tune in next week for more important information!
For more information visit: https://www.investor.gov/
Rebecca is joined by Lena Fishman, Jacqlin Davis, Martha Fulford, and Kelsey Lesco to discuss fraud, financial literacy, and student loans.
Mentioned websites:
Stop Fraud Colorado: https://stopfraudcolorado.gov/
Student loan resources from CO AG’s office: www.coag.gov/studentloans
File a complaint with our office on student loans: https://coag.gov/file-complaint/credit-and-debt/
CFPB GradPath tool: https://www.consumerfinance.gov/paying-for-college/your-financial-path-to-graduation/
What is a cosigner? https://www.consumerfinance.gov/ask-cfpb/what-is-a-cosigner-student-loan-en-565/
Sample letters to your servicer for cosigner release: https://www.consumerfinance.gov/about-us/newsroom/cfpb-finds-90-percent-of-private-student-loan-borrowers-who-applied-for-co-signer-release-were-rejected/#:~:text=To%20help%20borrowers%20overcome%20obstacles%20to%20co-signer%20release%2C,to%20provide%20clear%20information%20about%20co-signer%20release%20policies.
Rebecca sits down with Rebecca Laurie, Stakeholder and Innovations Strategist from the Department of Regulatory Agencies (DORA) to discuss how aging can change the way we think and act with money. This is part two of two so be sure to listen again, there's lots of important information!
To learn more, visit DORA here.
Rebecca sits down with Rebecca Laurie, Stakeholder and Innovations Strategist from the Department of Regulatory Agencies (DORA) to discuss how aging can change the way we think and act with money. This is part one of two so be sure to tune in next week!
To learn more, visit DORA here.
Rebecca sits down with Kathy Madden from Colorado’s Senior Health Insurance Program to understand the costs associated with Medicare, how to best budget for those costs, and the importance of emergency savings in medical situations.
For more information about the State Health Insurance Assistance Program, visit https://www.shiptacenter.org/.
For information on Medicare visit https://www.medicare.gov/.
For more information on Medicaid visit https://www.medicaid.gov/
Talking with your family and loved ones about your financial situation can be difficult. Rebecca sits down with Teresa Doheny to discuss the best ways and times to have The Talk with those closest to you.
Learn more about Doheny Counseling, LLC here.
Rebecca sits down with Fraud Victim Support Director Amy Nofziger to discuss how scammers target our money, why and how they use products such as gift cards, peer-to-peer money transfer apps, and checks, as well as discuss how to best stay scam safe. Audience questions about frauds and scams will be answered.
Contact AARP's Fraud Watch Network at 1-877-908-3360 or visit https://www.aarp.org/money/scams-fraud/ for questions about/if you've been a victim of frauds, scams, or financial exploitation.
Female caregivers oftentimes spend more time providing care to loved ones and may suffer financially because of it. Rebecca sits down with Amy Goyer, AARP Caregiving Expert to discuss how caregivers can best manage their finances as well as their loved one’s finances. Amy shares her personal caregiving journey, professional experience, and gives listeners steps to take to ease the financial burden as they care for their loved ones on this very first episode of MoneyTalks 50+.
Resources:AARP.org/taxaide
AARP.org/caregivermoney
AARP.org/vmfcaregivermoney
SHIP or 877-839-2675
Study cited in interview
Connect with AARP ElderWatch at 1800-222-4444, stopfraudcolorado.gov or on Facebook.
Learn more about Amy: www.amygoyer.com and www.aarp.org/amygoyer or connect with her on Facebook, Twitter, Youtube, Instagram and LinkedIn.